Reclaim Your Bank And Card Charges

[Mike]

Dear all

Seems like the banks have been very naughty !

Have a go I am going to.........Link

Mike

[Pia]

I'm going to do this too... i will let you know how i get on

[James Henry]

Check this baby out http://www.consumeractiongroup.co.uk/ for all the information you could need. The forums there are a combination of their original forums and the Banking Action Group and there you'll find a lot of help and stories from people who have both already done this and are in the process.

[bopdude]

Originally Posted by Mike

Dear all

Seems like the banks have been very naughty !

Have a go I am going to.........Link

Mike

Mmmmm, very interesting link, having read it I wonder how many of 'us' will think of it as too much hassel and leave it at that. I would be owed a fortune lol, well 1000's of £ÃÆ ’‚£Ãà¢Ã¢â€šÂ¬Ã…¡Ãƒâ€šÃ‚£Ãƒââ‚ ¬Å¡Ãƒâ€šÃ‚£Ãƒâ€š £ÂÃâ €šÃ‚£Ãƒâ€šÃ‚à ƒâ€šÃ‚£ÃƒÆ’‚ £'s at any rate, I wonder if this would still apply to an account that has been closed for a couple of years. ??

[skyblueheroes]

Or you could try to not incur any bank charges and not have to go through this.

[bopdude]

Originally Posted by Pia

I'm going to do this too... i will let you know how i get on

Go girl, let us know

Originally Posted by James Henry

Check this baby out http://www.consumeractiongroup.co.uk/ for all the information you could need. The forums there are a combination of their original forums and the Banking Action Group and there you'll find a lot of help and stories from people who have both already done this and are in the process.

Mmmmm, I might just do it, what have I to lose

---------- Post added at 13:28 ---------- Previous post was at 13:27 ----------

Originally Posted by skyblueheroes

Or you could try to not incur any bank charges and not have to go through this.

To late for me my friend, was a bit of a naughty lad a few years back whilst going through my divorce ....................long story

[Mike]

Originally Posted by skyblueheroes

Or you could try to not incur any bank charges and not have to go through this.

Note the word try for some people this has not been possible !

The letter is there..............guy at work sent it off and got £200 back

[skyblueheroes]

Originally Posted by Mike

Note the word try for some people this has not been possible !

The letter is there..............guy at work sent it off and got £200 back

I have been charged twice for going overdrawn (normally by about £10 or £20 or when I have paid for building work and money has not arrived in account in time) - always phoned to complain and had it credited back.

All I am saying is that most banks offer free large overdrafts anyway (mine is £1000). I never use it but know its there if there are ever timing delays of transfers between accounts.

Humpf!The last time I got clobbered with an unauthorised overdraft charge it was taken out and replaced within the day because my wages were deposited on the same day...I would have been annoyed because on the same day I'd checked my account online and I was £4.99 in the black in the morning and expecting my wages to be paid in.The next time I checked to see if my wages had appeared I was supposedy overdrawn by £25,had been charged and uncharged and finally paid.

[Pia]

Most banks usually let you have the charges back if you ring them, but they are limited to the amount of times they can do this per year.

Needless to say, i have hammered all opportunities of this on all of my banks accounts and credit cards and catalogues lol.

[Chrysalis]

very interesting, I know a few times I have had £75 charges and off the back of my head I think their is a few hundred at least.

Glad I kept all my statements now.

[Druchii]

Originally Posted by Chrysalis

very interesting, I know a few times I have had £75 charges and off the back of my head I think their is a few hundred at least. Glad I kept all my statements now.

Even if you hadn't you could ask them for a backlog of them

The only charge i've had in the last six years was for late payment on my credit card one month (I was a day late) they charged me £25 I think - I rang them up and pointed out that in four years with them I had never missed one before and that if they insisted on this for being one day late then I would zero the account there and then with a balance transfer from a rival - and never use the account again (but not actually close it, just leave it dormant). They refunded the charge.

I paid it off next month anyway, and never used the card again.

[budwieser]

Originally Posted by Paul M

The only charge i've had in the last six years was for late payment on my credit card one month (I was a day late) they charged me £25 I think - I rang them up and pointed out that in four years with them I had never missed one before and that if they insisted on this for being one day late then I would zero the account there and then with a balance transfer from a rival - and never use the account again (but not actually close it, just leave it dormant). They refunded the charge.

I paid it off next month anyway, and never used the card again.

I think it`s disgusting the way that Banks have an uncleared cheque or wage going into the account and then take out all of the outgoing payments before clearing the incoming funds!!!!!!!!! Just making themselves some more " Illegal" profits!

[TheDaddy]

A couple of months ago Nat West asked me if I wanted to upgrade my account, not really bothered I said yes and forgot about it, I then recieved a letter saying I had gone £1 overdrawn due to bank charges and they were going to charge me £35 any it turned out they had set up a new account so I had two, but the real point here is (other than them charging £35 for being £1 overdrawn ) is that it goes on your credit record for between 3 and 6 months. Needless to say they dropped the charges but before I hung up I jokingly said could I apply for a loan, she said try in six months!